Guaranty Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, Guaranty Bank & Trust Company of Belzoni, MS reported 546 mortgage applications totaling $42.7 million, about the same as 2007. The average application was for $78,157, and applicants reported an average income of $76,091. 82% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Memphis, TN-MS-AR (59), Jackson, MS (9) and New Orleans-Metairie-Kenner, LA (2) (applications in parentheses).
| Mortgage Company & Address | Guaranty Bank & Trust Company 210 N. Hayden Street Belzoni, MS 39038 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 546 |
| Total Mortgage Loan Application Amount | $42,674,000 |
| Average Mortgage Loan Application Amount | $78,157 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $76,091 |
| Highest Applicant Income | $1,403,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guaranty Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington, Mississippi | 185 | $ 8,484,000 | $ 45,859 | $ 68,000 |
| Humphreys, Mississippi | 80 | $ 2,842,000 | $ 35,525 | $ 55,000 |
| Bolivar, Mississippi | 51 | $ 3,442,000 | $ 67,490 | $ 77,000 |
| Warren, Mississippi | 45 | $ 3,577,000 | $ 79,488 | $ 95,000 |
| Sunflower, Mississippi | 30 | $ 2,559,000 | $ 85,300 | $ 89,000 |
| Panola, Mississippi | 28 | $ 2,990,000 | $ 106,785 | $ 92,000 |
| Tate, Mississippi | 28 | $ 3,455,000 | $ 123,392 | $ 103,000 |
| DeSoto, Mississippi | 26 | $ 2,558,000 | $ 98,384 | $ 67,000 |
| Sharkey, Mississippi | 14 | $ 350,000 | $ 25,000 | $ 48,000 |
| Leflore, Mississippi | 9 | $ 903,000 | $ 100,333 | $ 95,000 |
| Lafayette, Mississippi | 7 | $ 3,306,000 | $ 472,285 | $ 226,000 |
| Madison, Mississippi | 4 | $ 1,028,000 | $ 257,000 | $ 115,000 |
| Oktibbeha, Mississippi | 3 | $ 899,000 | $ 299,666 | $ 51,000 |
| Rankin, Mississippi | 3 | $ 267,000 | $ 89,000 | $ 54,000 |
| Tallahatchie, Mississippi | 3 | $ 161,000 | $ 53,666 | $ 60,000 |
| Shelby, Tennessee | 3 | $ 203,000 | $ 67,666 | $ 60,000 |
| Orleans, Louisiana | 2 | $ 275,000 | $ 137,500 | $ 194,000 |
| Coahoma, Mississippi | 2 | $ 372,000 | $ 186,000 | $ 47,000 |
| Hinds, Mississippi | 2 | $ 84,000 | $ 42,000 | $ 60,000 |
| Quitman, Mississippi | 2 | $ 117,000 | $ 58,500 | $ 80,000 |
| Yalobusha, Mississippi | 2 | $ 34,000 | $ 17,000 | $ 50,000 |
| Yazoo, Mississippi | 2 | $ 62,000 | $ 31,000 | $ 44,000 |
| Chicot, Arkansas | 1 | $ 223,000 | $ 223,000 | $ 137,000 |
| Craighead, Arkansas | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Searcy, Arkansas | 1 | $ 32,000 | $ 32,000 | $ 61,000 |
| Pinellas, Florida | 1 | $ 119,000 | $ 119,000 | $ 300,000 |
| Carroll, Mississippi | 1 | $ 40,000 | $ 40,000 | $ 75,000 |
| Forrest, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 153,000 |
| Holmes, Mississippi | 1 | $ 16,000 | $ 16,000 | $ 75,000 |
| Issaquena, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Lee, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 132,000 |
| Marshall, Mississippi | 1 | $ 39,000 | $ 39,000 | $ 125,000 |
| Scott, Mississippi | 1 | $ 29,000 | $ 29,000 | $ 35,000 |
| Tippah, Mississippi | 1 | $ 61,000 | $ 61,000 | $ 120,000 |
| Tunica, Mississippi | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Walthall, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Guaranty Bank & Trust Company in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 242 | $27,031,000 | $111,000 | $4,000,000 | $88,000 | $1,403,000 |
| Home Purchase | 186 | $12,198,000 | $65,000 | $456,000 | $67,000 | $473,000 |
| Home Improvement | 118 | $3,445,000 | $29,000 | $367,000 | $66,000 | $481,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 315 | $25,789,000 | $81,000 | $1,262,000 | $103,000 | $1,403,000 |
| Black or African American | 157 | $4,585,000 | $29,000 | $394,000 | $57,000 | $439,000 |
| Not applicable | 70 | $12,168,000 | $173,000 | $4,000,000 | $0 | $0 |
| Not Provided | 2 | $115,000 | $57,000 | $105,000 | $64,000 | $120,000 |
| Hispanic | 2 | $17,000 | $8,000 | $12,000 | $97,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 546 | $42,674,000 | $78,000 | $4,000,000 | $76,000 | $1,403,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 449 | $39,607,000 | $88,000 | $4,000,000 | $84,000 | $1,403,000 |
| Application Denied By Financial Institution | 64 | $1,608,000 | $25,000 | $171,000 | $37,000 | $115,000 |
| Application Withdrawn By Applicant | 12 | $456,000 | $38,000 | $89,000 | $51,000 | $118,000 |
| Application Approved But Not Accepted | 12 | $443,000 | $36,000 | $215,000 | $53,000 | $89,000 |
| File Closed For Incompleteness | 9 | $560,000 | $62,000 | $200,000 | $33,000 | $96,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 42 | $1,033,000 | $24,000 | $171,000 | $43,000 | $115,000 |
| Debt-To-Income Ratio | 16 | $318,000 | $19,000 | $53,000 | $21,000 | $57,000 |
| Collateral | 4 | $203,000 | $50,000 | $98,000 | $42,000 | $55,000 |
| Credit Application Incomplete | 1 | $16,000 | $16,000 | $16,000 | $46,000 | $46,000 |
| Employment History | 1 | $38,000 | $38,000 | $38,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guaranty Bank & Trust Company's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Guaranty Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.
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